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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,414 | $51,207-48.4% | $70,565-62.6% | $71,529-63.1% |
| Participation rate | 50.0% | 59.4%-9.4pp | 68.4%-18.4pp | 67.9%-17.9pp |
| Annual return | 14.35% | 42.71%-28.4pp | 32.79%-18.4pp | 28.97%-14.6pp |
| Employer contribution / active EE | $1,309 | $1,795-27.0% | $2,976-56.0% | $2,590-49.4% |
| Participant deferral / active EE | $2,457 | $3,033-19.0% | $4,568-46.2% | $4,291-42.7% |
| Admin fee / account holder | $2,494 | $2,002+24.6% | $6,430-61.2% | $1,588+57.0% |